Service Charges

Effective 1^st January 2026, a 5% GST will be applicable on all service charges.

DRAFTS/BANKERS CHEQUE CHARGES

Sl. No.	Limit	INR REMITTANCE/MCC DRAFTS (INDIA)
1	Up to Nu.100,000	Nu. 35
2	Nu. 100,001 to 1,000,000	Nu. 2.00 per 1,000 (Min Nu.35 and Max Nu.2,000)
3	Above Nu. 1,000,000	Nu. 1.80 per 1,000 (Min. Nu.2,000 & Max. Nu.15,000)

Sl. No.	Limit	TT/BANKERS CHEQUE (WITHIN BHUTAN)
1	Up to Nu. 100,000	Nu. 35
2	Nu. 100,001 to 1,000,000	Nu. 2.00 per 1,000 (Min Nu. 35 and Max Nu. 2,000)
3	Above Nu. 1,000000	Nu. 1.80 per 1,000 (Min. Nu. 2,000 & Max. Nu. 15,000)

CANCELLATION/ ISSUANCE OF DUPLICATE/ RE-VALIDATION OF DRAFTS
Nu. 100 per instrument

STOP PAYMENT CHARGE FOR DRAFT
Nu. 50 per instrument

DD PURCHASE – BOTH GOVERNMENT & PUBLIC
Max. Nu. 100

OC PURCHASE- BOTH GOVERNMENT & PUBLIC
0.5% of value (Max. Nu. 20,000)

COLLECTION OF CHEQUES AND DRAFTS WITHIN BHUTAN
Free of charge

FOREX SERVICE CHARGES

Sl/No.	Limit	DOCUMENTARY LETTER OF CREDIT-IMPORT (BOTH FOREIGN CURRENCY & INDIAN RUPEE) TT/BANKERS CHEQUE (WITHIN BHUTAN)
1	Bill charges	Nu. 35
2	Nu. 100,001 to 1,000,000	Nu. 2.00 per 1,000 (Min Nu.35 and Max Nu. 2,000)
3	Above Nu. 1,000,000	Nu. 1.80 per 1,000 (Min. Nu.2,000 & Max. Nu.15,000)

Sl. No.	Particular	COLLECTION – IB/CBC (IN FC)
1	IB including immediate credit	1% (Min. Nu.75)

Sl. No.	Limit	CBC – CHEQUES/DRAFTS SENT ON COLLECTION BASIS (IN FC)
1	Up to Nu. 10,000	Nu. 40
2	Nu. 10,001 to 100,000	Nu. 4 per 1000 & Min. Nu. 40
3	Above Nu.100,0000	Nu. 3.50 per 1000 & Min. Nu. 400 & Max. Nu. 10,000

Sl. No.	Limit	PURCHASE/SALE OF USD TRAVELLERS CHEQUES
1	Purchase/sale of USD Travelers cheques	Nu. 40

Sl. No.	Limit	REMITTANCES (IN FC)
1	Drafts up to FC 1,000	0.25% (Min. Nu. 100)
2	Drafts above FC 1,000	0.25% (Min. Nu. 250)
3	Outward Transfer by SWIFT	0.20% (Min. Nu. 500) plus transmission charges of Nu. 500 for TTs & Nu. 1,000 for LCs
4	Inward Transfer via SWIFT	Free of Charge
5	Postage Charge	Actual Postal fee (Nominal Nu. 200)

Sl. No.	Particular	SERVICE CHARGE ON BANK ACCOUNT AND MINIMUM BALANCE
1	Savings account	Annual Account Maintenance Fee: Nu. 150 per year, charged semi-annually at Nu. 75 in June and Nu. 75 in December. The fee applies to all accounts, irrespective of the account opening date and minimum balance not required
2	Current Account	No maintenance fee but levy charges on Cheque Books
3	Minimum Balance to Open Saving account	Nu. 500
4	Minimum balance to Open Current Account	Nu. 1,000
5	Unique Account Number	Registration fee of Nu. 1,999 and Annual fee of Nu. 2,000/- (inclusive of the existing annual maintenance charge of Nu. 150)

Sl. No.	Particular	CHEQUE BOOK CHARGES FOR CURRENT ACCOUNT
1	First CD cheque book (50 Leaves)	Free of Charge
2	Subsequent issuance	Nu. 50
3	Personalized CD cheque book	Nu. 200

Sl. No.	Particular	CHEQUE RETURN CHARGES INTER BANK
1	Presentment of cheque	Free of Charge
2	Cheque returned for insufficient funds	Nu. 1,000 per cheque for each occurrence. After the third occurrence, the account holder will be barred from cheque facility for 3 years and remaining cheques should be surrendered.
3	Cheque returned for no endorsement by the bank	Nu. 100
4	Late delivery of delivery statement	Nu. 100
5	Second presentment	Free of Charge
6	Presentment of postdated cheque	Nu. 100
7	Presentment of stale dated cheque	Nu. 100

STOP PAYMENT CHARGE FOR CHEQUE
Nu. 50 per instrument

Sl. No.	Particular	CHARGES FOR USING BANKS OWN ATM (ON-US TRANSACTION)
1	Financial (Cash withdrawal)	Free of Charge
2	Non-Financial (Balance enquiry, statement print, PIN change)	Free of Charge

CHARGES FOR USING OTHER BANKS ATM (OFF-US TRANSACTION)

Sl. No.	Particular	FS Interoperability for ATM Acquiring (ATM in Nu.)
1	Cash Withdrawal / Purchase	9 after 5 free transaction in Month
2	Non-Financial (Balance enquiry, Mini Statement	5
3	PIN Change	5

Sl. No.	Particular	POS
1	Charges for using Banks own POS	Free of Charge
2	Charges for using other banks POS domestic	Banks are charged Nu.12 per transaction.

CHARGES ON INQUIRY RELATING TO OLD RECORDS OF MORE THAN 12 MONTHS

Sl. No.	Particular	SAFE CUSTODY – YEARLY FEE
1	For Sealed Envelope	Nu. 200 p.a* per Lodgment (per Envelope)
2	For Sealed Box (not exceeding size 20cm * 14cm * 9cm)	Nu. 400 p.a* per Lodgment (per Box)
3	Bank’s Own Deposit Receipts/ Documents	Nill

BANK GUARANTEE CHARGES

Sl. No.	Limit	INLAND BG CHARGES FOR EMD & BID GUARANTEE
1	Up to Nu. 250,000	Nu. 1,000
2	Above Nu. 250,000 to Nu. 500,000	Nu. 2,000
3	Above Nu. 500,000 to Nu. 1,000,000	Nu. 3,500
4	Above Nu. 1,000,000	Nu. 5,000

INLAND BG CHARGES FOR PERFORMANCE AND OTHER GUARANTEE

Sl. No.	Limit	Rates (%)
1	Up to Nu. 10 Million	3% p.a for Actual No. of Days (Minimum Nu. 500)
2	Above Nu. 10 Million to 50 Million	2% p.a for Actual No. of Days (Minimum Nu. 25,000)
3	Above Nu. 50 Million to 100 Million	1.50% p.a for Actual No. of Days (Minimum Nu. 83,333)
	Above Nu. 100 Million	1.00% p.a for Actual No. of Days (Minimum Nu. 100,000)

COUNTER GUARANTEE BG CHARGES FOR EMD & BID GUARANTEE

Sl. No.	Limit	Rates (%)
1	Up to Nu. 10 Million	2% p.a for Actual No. of Days (Minimum Nu. 500)
2	Above Nu. 10 Million to 50 Million	2 % p.a for Actual No. of Days (Minimum Nu. 16,667)
3	Above Nu. 50 Million to 100 Million	2% p.a for Actual No. of Days (Minimum Nu. 62,500)
	Above Nu. 100 Million	2% p.a for Actual No. of Days (Minimum Nu. 83,333)

COUNTER GUARANTEE BG CHARGES FOR PERFORMANCE AND OTHER GUARANTEE

Sl. No.	Limit	Rates (%)
1	Up to Nu. 10 Million	3% p.a for Actual No. of Days (Minimum Nu. 500)
2	Above Nu. 10 Million to 50 Million	2% p.a for Actual No. of Days (Minimum Nu. 25,000)
3	Above Nu. 50 Million to 100 Million	2% p.a for Actual No. of Days (Minimum Nu. 83,333)
	Above Nu. 100 Million	2% p.a for Actual No. of Days (Minimum Nu. 125,000)

IMPORT LETTER OF CREDIT CHARGES

Sl. No	LC Issuance Charges	Charges
1	Commitment Charges	0.75% of LC amount for validity period (Minimum Nu. 250)
2	Usance Charges	1% of LC amount for usance period (Minimum Nu. 250)
3	Application Fee	Nu. 100
4	Swift Charges	Nu. 1,000

Sl. No	LC Amendment Charges	Charges
1	For Amount Increased	0.75% on LC amount increased for validity period (Minimum 250)
2	Usance Charges	1% of Increased LC amount for usance period (Minimum Nu. 250) Swift: Nu. 1,000
3	For Amount Decreased	Amendment charges: Nu. 250 Swift: Nu. 1,000
4	Changes in Validity Date	0.75% on LC amount for extended validity period (Minimum Nu. 250) Swift: Nu. 1,000
5	Other Filed Changes	Amendment Charges: Nu. 250 Swift: Nu. 1,000

Sl. No	Bill Payment Charges	Charges
1	Bill Handling	0.15% on Bill amount (Minimum Nu. 250) Swift: Nu. 1,000

Sl. No	Tolerance Charges	Charges
1	Tolerance Charges	1% on LC tolerance amount for usance period (Minimum Nu. 250) 0.75% on LC tolerance amount for LC validity period (Minimum Nu. 250)

Sl. No	Standby LC
1	Bill Handling	Nu. 100
2	Commitment Charges	Same as Inland BG charges (Based on Limit)
3	Application Fee	Nu. 100
4	Swift	Nu. 1,000

GIFT / BHUTAN INTER-BANK REAL TIME (BIRT) – Fund Transfer System

Sl. No	Particular	BULK	BITS	RTGS
1	Inward	Free	Free	Free
2	Above Nu. 1,000,000	Free	Nu. 20 flat transaction fee per transaction irrespective of amount up to Nu. 1,000,000. BITS facilitates one to one funds transfer from Nu. 1 to Nu. 1,000,000	Nu. 50 flat transaction fee per transaction irrespective of amount above Nu. 1,000,000. RTGS is high value funds transfer system Nu. 1,000,000 and above.